Kamux Suomi Oy (KAMUX) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Kamux Suomi Oy €3.55, price €1.50, upside +137.3%, quality 56 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range €1.50 – €15.57 · fair‑value band €2.31 – €4.79 · the €1.50 price screens below the €3.55 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Kamux Oyj, together with its subsidiaries, engages in the wholesale and retail of used cars in Finland, Sweden, and Germany. The company offers financing and insurance products; and sells used cars in auctions, as well as various integrated services to consumer and corporate customers.
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Kamux Oyj, together with its subsidiaries, engages in the wholesale and retail of used cars in Finland, Sweden, and Germany. The company offers financing and insurance products; and sells used cars in auctions, as well as various integrated services to consumer and corporate customers. It also provides Kamux Plus products which extend the liability for defects. The company provides its services through showrooms and digital channels. Kamux Oyj was founded in 2003 and is headquartered in Hämeenlinna, Finland.
Stock analysis
Kamux Suomi Oy (KAMUX) currently trades at €1.50, while our model-based Fair Value estimate is €3.55, implying the stock looks roughly 57.9% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of €8.30 per share, and 10 of the 16 models we run sit above the €1.50 price.
Bear case: the Dividend Discount group reads lowest at €0.7800, and 6 of the 16 models stay below the price. Evidence for this calculation is high.
Scenario range: €2.31 (bear) to €4.79 (bull), the price of €1.50 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 56/100 (solid quality), in the Consumer Cyclical sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Kamux Suomi Oy reported revenue of €876M in FY2025 versus €937M in FY2021, a compound −1.7%/yr. Reported net income was −€2.3M in FY2025.
Key figures
Market cap €59.6M · P/E ratio 149.6 · P/S ratio 0.07 · EPS (TTM) €0.0100 · Dividend yield 3.3% · Net margin −0.3% · Return on equity 0.4% · Return on assets (EBIT) 6.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 41 out of 100 (low confidence).
What moves the price
The share trades about 36% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at 10% fair-value upside, at 137%, KAMUX screens cheaper than that median.
Fair Value models
Bear €2.31Fair Value €3.55Bull €4.79
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−13.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−3.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.9%
Start year 2020 (pandemic). Over 10 years: +10.9% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.7%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
4.3% (2020) → 0.1% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Auto & Truck Dealerships · 106 stocks
Beats the industry median on 6/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score56 · Above median
Fair Value upside+137% · Top 25%
Profitability
Return on equity (TTM)0% · Below median
Return on assets1% · Bottom 25%
Net margin (TTM)0% · Below median
Operating margin (TTM)0% · Bottom 25%
Growth and dividend
Revenue growth−12% · Bottom 25%
Dividend yield (TTM)3.3% · Below median
Balance sheet
Debt / equity0.19× · Below median
Valuation Multiplesvs Auto & Truck Dealerships median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Kamux Suomi Oy Fair Value". https://www.fairvalue-calculator.com/stock/KAMUX
Frequently asked questions
Is Kamux Suomi Oy (KAMUX) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of €3.55 versus a price of €1.50, about +137% upside (undervalued).
What is the fair value of KAMUX?
Our model-based fair value for Kamux Suomi Oy is €3.55 (as of Sep 23, 2026), built from audited fundamentals. The current price: €1.50.
What is the quality score of KAMUX?
Kamux Suomi Oy has a Quality Score of 56/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Kamux Suomi Oy (KAMUX)?
Our model-based price target is the fair value of €3.55 (as of Sep 23, 2026) from 16 valuation models. Cautious scenario €2.31, optimistic scenario €4.79. It is a calculation from audited fundamentals, not an analyst target.
What is the Kamux Suomi Oy stock forecast for 2026?
Our models put fair value at €3.55, about +137% upside versus a price of €1.50 (undervalued). Cautious scenario €2.31, optimistic scenario €4.79. The calculation is refreshed regularly with new filings.
What is the revenue of Kamux Suomi Oy (KAMUX)?
Kamux Suomi Oy reported trailing-twelve-month revenue of about €848M (latest available figure, as of Sep 23, 2026).
Does Kamux Suomi Oy pay a dividend?
Kamux Suomi Oy currently shows a dividend yield of about 3.34% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of Kamux Suomi Oy (KAMUX)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Kamux Suomi Oy it is €3.55 per share (as of Sep 23, 2026), against a price of €1.50. It is the blended result of 16 valuation models (cash flow, earnings, asset, dividend).
Is Kamux Suomi Oy stock overvalued or undervalued in 2026?
As of Sep 23, 2026, KAMUX trades below its calculated fair value: price €1.50, fair value €3.55, a gap of about +137% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of KAMUX?
No. The price is what the market pays today (€1.50); the fair value is what the company's own numbers justify (€3.55). For Kamux Suomi Oy the two are €2.05 per share apart. That gap is exactly why we show both numbers side by side.
How much is Kamux Suomi Oy worth?
The market values Kamux Suomi Oy at about €59.6M (market capitalisation, as of Sep 23, 2026). Per share that is €1.50; our models calculate a fair value of €3.55 per share.
What do the bullish and bearish scenarios say about KAMUX?
Our models span a range for Kamux Suomi Oy: cautious scenario €2.31, base €3.55, optimistic €4.79 per share (as of Sep 23, 2026, price €1.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of KAMUX?
Kamux Suomi Oy trades at a price-to-earnings ratio of 149.6 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €3.55 is built from several models across several years. Other multiples: P/B 0.7, P/S 0.1, EV/EBITDA 11.6.
How solid is the balance sheet of Kamux Suomi Oy (KAMUX)?
Balance-sheet figures for Kamux Suomi Oy (as of Sep 23, 2026): return on equity 0.4%, debt of 0.19 per unit of equity. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is KAMUX from its 52-week high?
Kamux Suomi Oy trades at €1.50, about 36% below its 52-week high of €2.36 and at the low of €1.50 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of €3.55 is for.
Which stocks are comparable to Kamux Suomi Oy?
From the same area (Consumer Cyclical) we also value Carvana Co, Penske Automotive Group, Hotai Motor Co, CarMax, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Kamux Suomi Oy stock attractive at the current price?
The data as of Sep 23, 2026: price €1.50, calculated fair value €3.55 (+137%), Quality Score 56/100, from 16 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of KAMUX calculated?
We run Kamux Suomi Oy through 16 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €3.55, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Kamux Suomi Oy currently trades 137 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Kamux Suomi Oy (KAMUX)?
The closing price on Sep 24, 2026 was €1.50. Our model-based fair value is €3.55, about +137% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Kamux Suomi Oy right now?
The price is below even our cautious bear case (€2.31). The market is more pessimistic than our downside scenario. Solid quality (56/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (€2.31 to €4.79) leaves room in how you read the outcome.
Where does the earnings growth of Kamux Suomi Oy (KAMUX) come from?
Earnings per share at Kamux Suomi Oy grew −4.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share +13.9 %, EBIT margin −14.5 %, tax rate −0.5 %, residual (interest, one-offs) −1.6 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Kamux Suomi Oy
How large is the market capitalisation of Kamux Suomi Oy (KAMUX)?
The market capitalisation of Kamux Suomi Oy is €59.6M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Kamux Suomi Oy (KAMUX)?
The price-to-sales ratio of Kamux Suomi Oy is 0.07 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Kamux Suomi Oy (KAMUX)?
Earnings per share at Kamux Suomi Oy are €0.0100 (price ÷ EPS = P/E 149.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Kamux Suomi Oy (KAMUX)?
The dividend yield of Kamux Suomi Oy is 3.3%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Kamux Suomi Oy (KAMUX)?
The net margin of Kamux Suomi Oy is −0.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Kamux Suomi Oy (KAMUX)?
The return on equity (ROE) of Kamux Suomi Oy is 0.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Kamux Suomi Oy (KAMUX)?
On an EBIT basis the return on assets of Kamux Suomi Oy is 6.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Kamux Suomi Oy (KAMUX)?
The operating margin of Kamux Suomi Oy is −0.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Kamux Suomi Oy (KAMUX)?
Revenue at Kamux Suomi Oy is growing −11.8% versus a year earlier (3y avg −3.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Kamux Suomi Oy (KAMUX)?
Earnings per share at Kamux Suomi Oy are growing +4.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Kamux Suomi Oy (KAMUX) generate?
The free cash flow of Kamux Suomi Oy is €44.9M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Kamux Suomi Oy (KAMUX) carry?
The net debt of Kamux Suomi Oy is €53.7M (fiscal year 2025, ≈ 1.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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